Providing Low Doc loans to the Self Employed since 2003!

Master Builders Financial Services
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    • Home
    • Finance Options
    • Specials
    • Chocolate Money
    • Contact Us
Master Builders Financial Services
  • Home
  • Finance Options
  • Specials
  • Chocolate Money
  • Contact Us

Experts in low doc & builder loans

Financial Services

Chocolate Money is the chosen provider of finance and loans to the building industry since 2003.  Please note the loans & rates were correct at the time of publishing.

Low Doc Home Loans

 If you are self-employed, a freelancer, contract worker, tradie, builder or undertake seasonal work, you may not have all the documentation usually required for a mortgage. 

Chocolate Money has access to low interest rate with a range of flexible home loan features.

  • Loans up to 85% of property value
  • Irregular income acceptable
  • Alternative verification options
  • Owner-occupier and investor borrowers OK
  • Start-up or established business considered

Low Doc business loans

  • Residual Stock (individual values – not in one line)
  • Non-Resident borrowers
  • $10M+ transactions
  • Unfinished Development Projects
  • Unlimited cash out
  • Specialised security including Vacant Land
  • Bridging finance
  • Mortgage arrears
  • Bankruptcies
  • Liquidation
  • Unpaid credit impairments
  • ATO/Tax debts

low doc commercial loans

  •  Short term loan solutions:
  • min $100k & $5m max
  • LVR 65%
  • major metro & regional locations
  • unlimited cash-out
  • 6 month min term / 12 month max
  • minor credit impairment considered
  • company borrowers only

High value relationships

Our Senior Lending team understands complex financial structures involving the distribution of income and maximising peoples' borrowing potential whilst working within their tax minimisation strategies; this is why Professionals come to us for their lending requirements. 

Our skills are tailored for:

  • Doctors, surgeons, dentists & other medical professionals
  • Lawyers & Judges
  • Builder loans
  • Property Development Finance

Please note

The information regarding loans is general in nature and not to be considered advice.  Lending criteria, fees & charges apply and will be quoted specific to your situation. ACL 387277

Loans for developers

Additional Information

 Residual stock loans​

  • Up to 75% LVR of residual stock
  • All loans priced for risk
  • No need for the developer to wait for sales to access their profits or move on to the next development project.
  • Residual stock can also be arranged up to 24 months if required
  • Rates ranged from 5% to 7% on residual stock - rate for risk policy applies.

Award-winning team

Anthy Lakkotripis - Chocolate Money's award-winning property lending advisor!

Platinum Broker

Anthy Lakkotripis has been with Chocolate Money for 16 years and has been recognised as a Platinum Finance Broker in 2019 & 2020, putting her in the top tier of finance brokers in Australia for the third year running!  Her specialised expertise is for property development finance and loans for the construction industry.

Chris Katrantzis - Chocolate Money's award-winning finance broker for builder loans and finance.

Gold Broker

Chris Katrantzis has been with Chocolate Money for 11 years and has been recognised as a Gold Mortgage Broker in 2019 & 2020 within Australia for the third time as well!  His area of expertise is for builder loans and finance for those who are self employed.

Chocolate Money - Award winning finance brokerage for builders and property developers since 2003.

Hall of Fame

Chocolate Money is in the Hall of Fame of the Professional Lenders Association for its services to Mortgage and Loans Broking.

Finance business of 2020

Chocolate Money was named as a finalist for the Finance Business of the Year in 2020!

Renovation loans
Trust us!

We can help your clients

We focus on helping your clients obtain loans so they can engage your services!  Don't risk them getting declined by the banks and losing the work!

Consumer finance options

Chocolate money

www.chocolatemoney.com.au

1300 137 539

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